Alabama Insurance Adjuster Practice Exam

For minor injuries sustained at work, what type of workers' compensation benefits can employees expect?

1. Limited medical expense coverage

2. Short-term benefits

3. No benefits at all

4. Full salary coverage during recovery

The correct answer is: Limited medical expense coverage

When employees sustain minor injuries at work, they can typically expect limited medical expense coverage under workers' compensation. This coverage is designed to pay for medical treatments necessary due to the injury, which may include doctor visits, medications, and necessary therapies. In the context of minor injuries, while employees might not receive extensive benefits or full salary coverage, the provision of medical expense coverage is crucial for ensuring that they can receive the appropriate care without incurring out-of-pocket costs. This allows employees to focus on recovery without the added burden of financial stress from medical expenses. Other options do not accurately reflect the typical benefits associated with minor work-related injuries, as short-term benefits may not be sufficient for such injuries, and full salary coverage is generally not provided under workers' comp for minor injuries. Additionally, having no benefits at all would not align with the purpose of the workers' compensation system, which aims to support injured workers in obtaining necessary medical care.